Card issuer · complaint record
Capital One complaints
Filed under CAPITAL ONE FINANCIAL CORPORATION
Consumers have filed 178,042 complaints about Capital One since 2011, 34,760 of them in the last 12 months (+6% on the year before). It answered 99.9% on time and closed 17% with relief for the customer - less often than a typical card issuer. The most common problem is incorrect information on your report. It is the most complained-about of 52 credit card companies this year.
Good response record. How it works
- Complaints on record
- 178,042
- Last 12 months
- 34,760
- Answered on time
- 99.9%
- Closed with relief
- 17%
- Last 30 days
- 1,829
- Rank
- #1 of 52
Since December 2011
+6% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Nov 10, 2026
Most complained-about credit card companies
Capital One complaints by month
The busiest month was January 2025 (7,601 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Capital One answered last 12 months
- Closed with monetary relief2,0165.8%
- Closed with non-monetary relief3,60510.4%
- Closed with explanation28,25081.3%
- In progress8892.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers13/4016.6% closed with relief
- Complaint trend9/15+6% vs last year
What Capital One complaints are about
Top Capital One problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 10,246
- Account information incorrect 8,426
- Account status incorrect 7,747
- Old information reappears or never goes away 1,093
- Information is missing that should be on the report 627
- Personal information incorrect 450
Where Capital One complaints come from
Most complaints: California (19,619), Florida (17,598), Texas (16,660), New York (16,284), Georgia (9,926).
Capital One compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Capital OneCredit cards | 67 | 34,760 | B |
| 2 | CitibankCredit cards | 86 | 24,056 | A |
| 3 | SynchronyCredit cards | 46 | 16,479 | D |
| 4 | American ExpressCredit cards | 68 | 11,560 | B |
| 5 | Bread Financial (Comenity)Credit cards | 82 | 10,455 | A |
| 6 | Goldman Sachs Bank (Apple Card, Marcus)Credit cards | 75 | 6,413 | B |
| 7 | Barclays USCredit cards | 55 | 5,690 | C |
| 8 | DiscoverCredit cards | 75 | 2,745 | B |
Compare side by side: Capital One vs Citibank · Capital One vs Synchrony · Capital One vs American Express · Capital One vs Bread Financial
What people say about Capital One
All experiencesNo experiences with Capital One yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Capital One complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Money transfers & apps | Money was not available when promised | Explained |
| Nov 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 8, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 7, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 6, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Credit cards | Fees or interestProblem with fees | Money back |
Questions about Capital One
How many complaints does Capital One have?
Capital One has 178,042 complaints on record since December 2011, including 34,760 in the last 12 months and 1,829 in the last 30 days. That makes it number 5 of every company by complaints this year.
Does Capital One respond to complaints?
Yes. Capital One answered 99.9% of its complaints on time (within 15 days) and closed 17% with relief - money back or a fix; 6% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 67/100 (grade B).
What do people complain about most with Capital One?
The most common problems are incorrect information on your report (28,929), problem with a purchase shown on your statement (14,413), managing an account (14,870).
Is Capital One legit?
Capital One is a real company with a public complaint record: consumers have complained about it 178,042 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Capital One legit? for the signals, red flags and how to protect yourself.
Are complaints about Capital One going up or down?
Roughly level. There were 34,760 complaints in the last 12 months against 32,766 in the 12 before (+6%). See every month.
How do I file a complaint against Capital One?
Complain to Capital One in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Capital One complaints come from?
Most come from California (19,619), Florida (17,598), Texas (16,660). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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